1431 SW 20th St
Miami, FL 33145 · townhomes · For Sale · 13 days on market
Asking price$1,579,000
3 beds 4 baths 2,237 sqft
Suggested offer$1,264,755$314,245 above the est. market value of $1,264,755.
View on Realtor.com →Listed by Hayley Dodge · COMPASS
Typetownhomes
Built2026
Price / sqft$706
Est. value (own analysis)$1,264,755
Rent estimate (own analysis)$4,250/mo
HOA$135/mo
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Statusfor_sale
Listed date2026-08-20
Removed date—
MLSMiamiMLS #A12074066
Coordinates25.75336, -80.21909
Address1431 SW 20th St
CityMiami
StateFL
Zip33145
Listing ID5361857199
Sourceus-real-estate-listings, cached 2026-08-31
ZIP market snapshot (33145)
Typical home value (ZHVI)$735,527
Typical rent (ZORI)$3,018/mo
Zillow Research's ZHVI (home value index) and ZORI (rent index) for this ZIP, as of 2026-07 — free published data, refreshed monthly, no RentCast quota spent. "Typical value/rent" is a smoothed index, not a literal median of active listings.
Underwriting (buy-and-hold, default assumptions)
| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $1,579,000 |
| Down payment (20.0%) | $315,800 |
| Loan amount | $1,263,200 |
| Closing costs (5.0%) | $78,950 |
| Total cash to close | $394,750 |
| Income | |
| Rent (comp-derived) | $4,250$51,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,910$46,920 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $2,500$30,001 |
| Insurance (placeholder 0.8% of price) | $1,053$12,632 |
| HOA dues | $135$1,620 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $213$2,550 |
| Total operating expenses | $3,900$46,803 |
| Net operating income (NOI) | |
| Debt service & reserves | |
| Debt service (6.66%, avg 30yr rate as of 2026-08-27, 30yr amortizing) | |
| CapEx reserve (5.0% of GSR) | $213$2,550 |
| Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%) | $0$0 |
| Cash flow |
Cap rate
Cash-on-cash
DSCR
Rent-to-price (1% rule)
Gross rent multiplier
Operating expense ratio
Break-even occupancy
Comparables
Widened to city-wide. Real active rental listings, used to derive the rent estimate above.
| Address | Type | Beds | Baths | Sqft | Asking rent | Listed | Days on market |
|---|---|---|---|---|---|---|---|
| townhomes | 3 | 3 | 1,552 | $4,500 | 2026-08-19 | — | |
| townhomes | 3 | 3 | 1,567 | $5,500 | 2026-08-19 | — | |
| townhomes | 3 | 2 | 1,500 | $3,200 | 2026-08-19 | — | |
| townhomes | 3 | 3 | 1,545 | $2,850 | 2026-08-17 | — | |
| townhomes | 3 | 3 | 1,536 | $2,900 | 2026-08-17 | — | |
| townhomes | 3 | 4 | 2,236 | $12,500 | 2026-08-14 | — | |
| townhomes | 3 | 3 | 1,719 | $6,800 | 2026-08-14 | — | |
| townhomes | 3 | 4 | 2,236 | $11,500 | 2026-08-13 | — | |
| townhomes | 3 | 3 | 1,765 | $3,990 | 2026-08-12 | — | |
| townhomes | 3 | 3 | 1,580 | $3,300 | 2026-08-11 | — | |
| townhomes | 3 | 4 | 1,960 | $3,600 | 2026-08-11 | — | |
| townhomes | 3 | 4 | 1,691 | $5,500 | 2026-08-07 | — | |
| townhomes | 3 | 3 | 1,546 | $3,100 | 2026-08-05 | — | |
| townhomes | 3 | 3 | 2,128 | $4,250 | 2026-08-05 | — | |
| townhomes | 3 | 4 | 2,286 | $5,250 | 2026-07-16 | — |
Same ZIP & bedroom count. Closed sales from Realtor.com over the last 12 months, matched to this property's type — real transaction prices, not asking prices. Falls back to Miami-Dade County public records (property appraiser tax roll) when Realtor.com has no sales on file for the area.
| Address | Type | Beds | Baths | Living sqft | Sale price | Sale date |
|---|---|---|---|---|---|---|
| 3022 SW 17th St Unit 3022 | townhomes | 3 | 4 | 2,185 | $1,087,000 | 2026-08-18 |
| 3542 SW 17th St Unit 2B | townhomes | 3 | 3 | — | $525,000 | 2026-05-18 |
| 2870 SW 21st St | townhomes | 3 | 3 | 2,280 | $770,000 | 2026-04-21 |
| 3061 SW 21st Ter Unit 3061 | townhomes | 3 | 5 | 2,052 | $1,315,000 | 2026-04-06 |
| 2823 SW 23rd Ter | townhomes | 3 | 4 | 2,416 | $1,530,000 | 2026-04-03 |
Same ZIP. Other properties currently for sale nearby — asking prices, not closed sale prices. Not a price comp; see Sold comps for actual transaction history.
| Address | Type | Beds | Baths | Sqft | Asking price | Days on market |
|---|---|---|---|---|---|---|
| 2800 SW 16th Ter | multi_family | 3 | 3 | 1,535 | $695,000 | — |
| 2831 SW 21st Ter | single_family | 3 | 3 | 1,855 | $1,200,000 | — |
| 3210 SW 19th Ter | single_family | 3 | 2 | 1,549 | $1,300,000 | — |
| 2483 SW 24th St | single_family | 3 | 2 | 1,845 | $1,590,000 | — |
| 2180 SW 20th St | single_family | 3 | 3 | 1,727 | $1,295,000 | — |
| 2500 SW 23rd Ter | single_family | 3 | 3 | 1,424 | $1,150,000 | — |
| 1519 SW 22nd Ter Unit 1519 | townhomes | 3 | 4 | 2,452 | $1,699,000 | — |
| 1419 SW 14th Ter | single_family | 3 | 3 | 2,132 | $1,395,000 | — |
10-year hold projection
IRR-7.0%
Equity multiple-0.18x
Total return (10yr)-$258,066
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $1,626,370 | $117 | -$99,845 | $1,249,504 | $376,866 |
| 2 | $1,675,161 | $355 | -$99,671 | $1,234,868 | $440,293 |
| 3 | $1,725,416 | $605 | -$99,486 | $1,219,226 | $506,190 |
| 4 | $1,777,178 | $869 | -$99,289 | $1,202,511 | $574,668 |
| 5 | $1,830,494 | $1,147 | -$99,080 | $1,184,647 | $645,846 |
| 6 | $1,885,409 | $1,440 | -$98,857 | $1,165,557 | $719,851 |
| 7 | $1,941,971 | $1,748 | -$98,621 | $1,145,156 | $796,815 |
| 8 | $2,000,230 | $2,072 | -$98,371 | $1,123,354 | $876,876 |
| 9 | $2,060,237 | $2,412 | -$98,107 | $1,100,055 | $960,182 |
| 10 | $2,122,044 | $2,769 | -$97,827 | $1,075,156 | $1,046,888 |
Assumes 3.0% annual rent growth, 2.5% expense growth, 3.0% appreciation, and a 6.0% selling cost at exit — all placeholder assumptions, not market-derived.